Our certificates help you save even more in less time. Just pick your term to lock in a fixed rate. No surprises — just solid savings.
Key Features
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Guaranteed Returns (Early withdrawls are subject to penalty and may affect guaranteed returns)
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Competitive Dividends
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No Setup or Maintenance Fees
Guaranteed Returns (Early withdrawls are subject to penalty and may affect guaranteed returns)
Competitive Dividends
No Setup or Maintenance Fees
- Competitive, fixed rates that can be higher than standard savings
- Provides more guarantee than other, more risky investments
- Set aside for future savings goals
- A wide range of terms available (from 3 months to 5 years)
- No setup or maintenance fees
- Early withdrawals subject to penalty
- $500 minimum deposit to open
- $10 minimum deposit to open a 12-month “+Plus” Certificate (add to certificate over time to earn dividends)
Certificate Specials
| Term | APY* | Dividend Rate |
|---|---|---|
| 9 Month Special | 4.00% | 3.92% |
*APY = Annual Percentage Yield. All deposit rates are accurate as of 10/14/2025. APY is accurate as of the last dividend declaration date. Early withdrawals subject to penalty. Fees may reduce earnings on the account. Minimum balance to open and earn dividends: $500.00. 9 Month Special APY = 4.00% Rate = 3.92%. Rates subject to change.